\u00dcst\u0259lik, devalvasiyadan \u00f6nc\u0259ki il\u0259 bu g\u00fcn\u00fcn problemli kreditl\u0259rinin m\u0259bl\u0259\u011find\u0259 d\u0259 f\u0259rq b\u00f6y\u00fckd\u00fcr. Devalvasiyadan \u00f6nc\u0259 – 2014-c\u00fc ild\u0259 problemli kreditl\u0259rin h\u0259cmi 1 milyard manat s\u0259viyy\u0259sin\u0259 \u00e7atm\u0131\u015fd\u0131. Devalvasiya d\u00f6vr\u00fcnd\u0259 bu m\u0259bl\u0259\u011f \u00e7oxalsa da, haz\u0131rda 700 milyon s\u0259viyy\u0259sind\u0259dir.<\/p>\n
Problemli kredit m\u0259bl\u0259\u011finin az olmas\u0131 n\u0259yin g\u00f6st\u0259ricisidir? \u00dcmumiyy\u0259tl\u0259, haz\u0131rda \u0259halinin kreditl\u0259r\u0259 yana\u015fmas\u0131, kredit savadl\u0131l\u0131\u011f\u0131 nec\u0259dir?<\/p>\n
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2015-ci il devalvasiyalar\u0131ndan \u0259vv\u0259l \u0259halinin kreditl\u0259r\u0259 yana\u015fmas\u0131 f\u0259rqli idi. \u0130nsanlar i\u015fl\u0259rini kredit g\u00f6t\u00fcrm\u0259kl\u0259 h\u0259ll edirdil\u0259r. Devalvasiyadan sonra is\u0259 kreditl\u0259r\u0259 m\u00fcnasib\u0259t d\u0259yi\u015fdi. Bu proses uzun m\u00fcdd\u0259t davam etdi v\u0259 davaml\u0131 olaraq banklar kredit g\u00f6t\u00fcr\u0259n m\u00fc\u015ft\u0259ri c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n kampaniyalar h\u0259yata ke\u00e7irdil\u0259r. Son vaxtlar kredit g\u00f6t\u00fcr\u0259nl\u0259r yenid\u0259n art\u0131r, amma yen\u0259 d\u0259 o vaxtk\u0131 aktivlik yoxdur.<\/p>\n
\u00dcst\u0259lik, devalvasiyadan \u00f6nc\u0259ki il\u0259 bu g\u00fcn\u00fcn problemli kreditl\u0259rinin m\u0259bl\u0259\u011find\u0259 d\u0259 f\u0259rq b\u00f6y\u00fckd\u00fcr. Devalvasiyadan \u00f6nc\u0259 – 2014-c\u00fc ild\u0259 problemli kreditl\u0259rin h\u0259cmi 1 milyard manat s\u0259viyy\u0259sin\u0259 \u00e7atm\u0131\u015fd\u0131. Devalvasiya d\u00f6vr\u00fcnd\u0259 bu m\u0259bl\u0259\u011f \u00e7oxalsa da, haz\u0131rda 700 milyon s\u0259viyy\u0259sind\u0259dir.<\/p>\n
Problemli kredit m\u0259bl\u0259\u011finin az olmas\u0131 n\u0259yin g\u00f6st\u0259ricisidir? \u00dcmumiyy\u0259tl\u0259, haz\u0131rda \u0259halinin kreditl\u0259r\u0259 yana\u015fmas\u0131, kredit savadl\u0131l\u0131\u011f\u0131 nec\u0259dir?<\/p>\n
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\u0130qtisad\u00e7\u0131 Xalid K\u0259rimli\u00a0deyir ki, devalvasiyadan \u00f6nc\u0259 insanlar\u0131n kredit savadl\u0131l\u0131\u011f\u0131n\u0131n az olmas\u0131 il\u0259 yana\u015f\u0131, banklar da m\u0259suliyy\u0259tsiz kreditl\u0259\u015fm\u0259y\u0259 gedirdil\u0259r:<\/p>\n
\u201cBunda g\u00fcnahkar banklar da deyildi. 2010-cu ill\u0259rd\u0259 \u0259halinin g\u0259lirl\u0259rinin, \u0259m\u0259khaqq\u0131lar\u0131n\u0131n r\u0259smil\u0259\u015fdirilm\u0259si indiki il\u0259 m\u00fcqayis\u0259d\u0259 xeyli az idi. Ona g\u00f6r\u0259, banklar insanlar\u0131n t\u0259kc\u0259 r\u0259smi deyil, eyni zamanda qeyri-r\u0259smi g\u0259lirl\u0259rin\u0259 d\u0259 bax\u0131rd\u0131lar. B\u0259z\u0259n d\u0259 bu ona g\u0259tirib \u00e7\u0131xar\u0131rd\u0131 ki, banklar kim\u0259 g\u0259lirdi v\u0259sait verirdil\u0259r. M\u0259rk\u0259zi Bank da banklar \u00fcz\u0259rind\u0259 n\u0259zar\u0259ti kifay\u0259t q\u0259d\u0259r t\u0259\u015fkil etm\u0259mi\u015fdi. Banklar m\u0259suliyy\u0259tsiz sur\u0259td\u0259 kreditl\u0259\u015fm\u0259y\u0259 gedirdil\u0259r. Bu, sonradan banklar\u0131n \u00f6z\u00fc \u00fc\u00e7\u00fcn d\u0259 problem\u0259 \u00e7evrildi\u201d.<\/p>\n
X.K\u0259rimlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, 2015-ci ill\u0259 m\u00fcqayis\u0259d\u0259 h\u0259m banklar\u0131n \u00fcz\u0259rind\u0259 n\u0259zar\u0259t art\u0131b, h\u0259m banklar b\u00f6hranlardan d\u0259rs \u00e7\u0131xar\u0131b, h\u0259m insanlar\u0131n g\u0259lirl\u0259ri r\u0259smil\u0259\u015fir, h\u0259m d\u0259 \u0259halinin m\u00fc\u0259yy\u0259n q\u0259d\u0259r kredit savadl\u0131l\u0131\u011f\u0131 art\u0131b: \u201cBanklar bu g\u00fcn daha \u00e7ox n\u0259zar\u0259tli v\u0259 m\u0259suliyy\u0259tli kredit verirl\u0259r. Problemli kreditl\u0259rin \u00e7oxalmas\u0131nda g\u00fcnah\u0131n n\u0259 q\u0259d\u0259ri m\u00fc\u015ft\u0259rid\u0259 idis\u0259, bir o q\u0259d\u0259ri d\u0259 bankda idi. H\u0259r ikisi bir az m\u0259suliyy\u0259tl\u0259nib\u201d.<\/p>\n
Maliyy\u0259 v\u0259 bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert X\u0259yal M\u0259mm\u0259dli\u00a0deyir ki, 2015-ci il devalvasiyalar\u0131ndan \u00f6nc\u0259 istehlak krediti g\u00f6t\u00fcr\u0259n insanlar\u0131n say\u0131n\u0131n indiki il\u0259 m\u00fcqayis\u0259d\u0259 \u00e7ox olmas\u0131n\u0131n s\u0259b\u0259bl\u0259ri var idi. O s\u0259b\u0259bl\u0259rd\u0259n biri o zaman banklar aras\u0131nda \u201cKim daha \u00e7ox kredit ver\u0259c\u0259k?\u201d, \u201cKim daha \u00e7ox m\u00fc\u015ft\u0259ri c\u0259lb ed\u0259c\u0259k?\u201d yar\u0131\u015f\u0131 idi. Dig\u0259r s\u0259b\u0259b is\u0259 o vaxt istehlak kreditl\u0259rind\u0259 maksimum h\u0259ddin t\u0259tbiq olunmamas\u0131 idi:<\/p>\n
\u201cM\u00fc\u015ft\u0259ri banklara yax\u0131nla\u015f\u0131rd\u0131, bir bank 3000, biri 5000, dig\u0259ri 7000 ver\u0259 bil\u0259c\u0259yini deyirdi. Daha \u00e7ox risk\u0259 ged\u0259n bank daha \u00e7ox m\u00fc\u015ft\u0259ri c\u0259lb edirdi. Bunun f\u0259sadlar\u0131 sonradan \u00fcz\u0259 \u00e7\u0131xd\u0131. Sonra M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n borcun g\u0259lir\u0259 nisb\u0259ti \u0259msal\u0131 t\u0259tbiq olunma\u011fa ba\u015flad\u0131. Bu \u0259msal bankdan as\u0131l\u0131 olmayaraq bir v\u0259t\u0259nda\u015fa veril\u0259 bil\u0259c\u0259k kreditin maksimum h\u0259cmini m\u00fc\u0259yy\u0259n edir. \u0130ndi v\u0259t\u0259nda\u015f\u0131n ayl\u0131q kredit \u00f6d\u0259ni\u015fl\u0259rinin c\u0259mi onun \u00fcmumi r\u0259smi g\u0259lirinin maksimum 45 faizi q\u0259d\u0259r ola bil\u0259r. B\u00fct\u00fcn banklarda m\u00fc\u015ft\u0259riy\u0259 eyni c\u00fcr yana\u015f\u0131l\u0131r. Bu da art\u0131q kredit alanlar\u0131n say\u0131nda azalmaya g\u0259tirib \u00e7\u0131xar\u0131b. \u00c7\u00fcnki bundan \u0259vv\u0259l h\u0259min v\u0259t\u0259nda\u015f hans\u0131sa bankdan 5000 kredit g\u00f6t\u00fcr\u0259 bilirdis\u0259, indi hans\u0131 banka gets\u0259, 2500-d\u0259n art\u0131q ala bilmir\u201d.<\/p>\n
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X.M\u0259mm\u0259dli deyir ki, istehlak kreditl\u0259ri g\u00f6t\u00fcr\u0259nl\u0259rin az olmas\u0131n\u0131n dig\u0259r \u00f6n\u0259mli s\u0259b\u0259bi insanlar\u0131n kreditl\u0259 ba\u011fl\u0131 maarifl\u0259nm\u0259sidir:<\/p>\n
\u201cDevalvasiyalardan sonra m\u0259nas\u0131z yer\u0259 borclanmaq, ehtiyac olmad\u0131\u011f\u0131 halda bankdan v\u0259sait almaq, bo\u015funa faiz \u00f6d\u0259m\u0259k kimi m\u0259s\u0259l\u0259l\u0259ri d\u0259 insanlar ba\u015fa d\u00fc\u015fm\u0259y\u0259 ba\u015flad\u0131lar. Ba\u015fa d\u00fc\u015f\u00fcrl\u0259r ki, krediti almaq asand\u0131r, amma \u00f6d\u0259m\u0259k zaman t\u0259l\u0259b edir. \u00c7ox vacib deyils\u0259, h\u0259r ay o kredit \u00fc\u00e7\u00fcn b\u00fcdc\u0259d\u0259n v\u0259sait ay\u0131rma\u011fa l\u00fczum g\u00f6rm\u00fcrl\u0259r. M\u0259tbuat v\u0259 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n m\u00fct\u0259madi olaraq maarifl\u0259ndirm\u0259 i\u015fl\u0259ri apar\u0131l\u0131r, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131 t\u0259dbirl\u0259ri t\u0259\u015fkil olunur. Banklar da kredit \u00fc\u00e7\u00fcn yax\u0131nla\u015fan \u015f\u0259xsl\u0259r\u0259 izah edirl\u0259r ki, ehtiyacdan art\u0131q pul g\u00f6t\u00fcrm\u0259sinl\u0259r. \u00c7\u00fcnki banklara da s\u0259rf etmir ki, v\u0259t\u0259nda\u015f \u0259sass\u0131z yer\u0259 pul g\u00f6t\u00fcrs\u00fcn, sonra \u00f6d\u0259m\u0259kd\u0259 problem yarans\u0131n\u201d.<\/p>\n
X.M\u0259mm\u0259dli qeyd etdi ki, kredit savadl\u0131l\u0131\u011f\u0131n\u0131n artmas\u0131n\u0131n bir g\u00f6st\u0259ricisi d\u0259 art\u0131q insanlar\u0131n kim\u0259 g\u0259ldi zamin durmamaqlar\u0131d\u0131r:<\/p>\n
\u201cDevalvasiyadan \u00f6nc\u0259, \u00e7ox adam deyirdi ki, filank\u0259s xahi\u015f etdi, \u201cyox\u201d dey\u0259 bilm\u0259dim. Zaminlikl\u0259 ba\u011fl\u0131 da devalvasiyadan sonra kifay\u0259t q\u0259d\u0259r maarifl\u0259ndirm\u0259 i\u015fi getdi. \u0130ndi art\u0131q insanlar m\u00fcnasib\u0259t\u0259 g\u00f6r\u0259 m\u0259cbur qal\u0131b etibar etm\u0259dikl\u0259ri, maddi v\u0259ziyy\u0259ti yax\u015f\u0131 olmayan adamlara zamin durmurlar\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
2015-ci il devalvasiyalar\u0131ndan \u0259vv\u0259l \u0259halinin kreditl\u0259r\u0259 yana\u015fmas\u0131 f\u0259rqli idi. \u0130nsanlar i\u015fl\u0259rini kredit g\u00f6t\u00fcrm\u0259kl\u0259 h\u0259ll edirdil\u0259r. Devalvasiyadan sonra is\u0259 kreditl\u0259r\u0259 m\u00fcnasib\u0259t d\u0259yi\u015fdi. Bu proses uzun m\u00fcdd\u0259t davam etdi v\u0259 davaml\u0131 olaraq banklar kredit g\u00f6t\u00fcr\u0259n m\u00fc\u015ft\u0259ri c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n kampaniyalar h\u0259yata ke\u00e7irdil\u0259r. Son vaxtlar kredit g\u00f6t\u00fcr\u0259nl\u0259r yenid\u0259n art\u0131r, amma yen\u0259 d\u0259 o vaxtk\u0131 aktivlik yoxdur. Bu bar\u0259d\u0259\u00a0Kaspi\u00a0qazetind\u0259 m\u0259qal\u0259 d\u0259rc edilib. \u00dcst\u0259lik, devalvasiyadan \u00f6nc\u0259ki il\u0259 bu g\u00fcn\u00fcn problemli kreditl\u0259rinin m\u0259bl\u0259\u011find\u0259 d\u0259 f\u0259rq b\u00f6y\u00fckd\u00fcr. Devalvasiyadan \u00f6nc\u0259 – 2014-c\u00fc ild\u0259 problemli kreditl\u0259rin h\u0259cmi 1 milyard manat s\u0259viyy\u0259sin\u0259 \u00e7atm\u0131\u015fd\u0131. Devalvasiya d\u00f6vr\u00fcnd\u0259 bu m\u0259bl\u0259\u011f \u00e7oxalsa da,…<\/p>\n","protected":false},"author":2,"featured_media":491321,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/b1.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"2015-ci il devalvasiyalar\u0131ndan \u0259vv\u0259l \u0259halinin kreditl\u0259r\u0259 yana\u015fmas\u0131 f\u0259rqli idi. \u0130nsanlar i\u015fl\u0259rini kredit g\u00f6t\u00fcrm\u0259kl\u0259 h\u0259ll edirdil\u0259r. Devalvasiyadan sonra is\u0259 kreditl\u0259r\u0259 m\u00fcnasib\u0259t d\u0259yi\u015fdi. Bu proses uzun m\u00fcdd\u0259t davam etdi v\u0259 davaml\u0131 olaraq banklar kredit g\u00f6t\u00fcr\u0259n m\u00fc\u015ft\u0259ri c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n kampaniyalar h\u0259yata ke\u00e7irdil\u0259r. Son vaxtlar kredit g\u00f6t\u00fcr\u0259nl\u0259r yenid\u0259n art\u0131r, amma yen\u0259 d\u0259 o vaxtk\u0131 aktivlik yoxdur. Bu…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/491320"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=491320"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/491320\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/491321"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=491320"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=491320"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=491320"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}